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The Best Florida Homeowners Insurance Companies. The best Florida homeowners insurance companies should insure your home against hurricanes, wildfires, and tornadoes, all while providing affordable coverage and the financial strength to pay out your insurance claims.Unfortunately, due to the inclement weather of the Sunshine State, Florida has some of the highest average insurance rates in the.

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We researched the top insurance companies in Florida and found that State Farm is the best choice for most homeowners. Its rates are well below the Florida average of $1,727 per year, and the company’s customer service and wide array of coverages make it a solid choice for most.